- A seed phrase stored in the cloud is the worst idea you can have, it can be a google worker for example.

- A seed phrase without passphase is the second worst idea you can have.

- A weak passphrase is the third worst idea you can have.

- A multi-signature is the fourth worst idea you can have if you don't know what you are doing.

But the worst idea is to use shitcoins and wallets that don't care about security.

And always use wallets recommended on Bitcoin.org as they follow a rigorous screening process to be listed and don't use shitcoins to store your wealth.